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Customers Bancorp (CUBI) investor relations material

Customers Bancorp Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary25 Jul, 2025

Executive summary

  • Q2 2025 net income available to common shareholders was $55.8M, with core EPS of $1.80 and strong operational execution, despite higher credit loss provisions and a $51.3M impairment loss on AFS debt securities.

  • Tangible book value per share reached $56.24, more than doubling since Q4 2019 (15% CAGR).

  • Leadership transition announced: Jay Sidhu to become Executive Chairman in 2026, Sam Sidhu to assume CEO role.

  • Deposit transformation continued with $300M growth from new teams and a $350M reduction in brokered deposits in Q2.

  • Superior credit quality maintained, with NPA ratio at 0.27% and reserves to NPLs at 518%.

Financial highlights

  • Net interest income rose 6% to $176.7M, with net interest margin expanding by 14 bps to 3.27%, marking the third consecutive quarter of improvement.

  • Efficiency ratio improved to 51.6%, top quartile among peers, with noninterest expenses at $106.6M.

  • Total assets reached $22.6B, total loans and leases $15.4B, and total deposits $19.0B as of Q2 2025.

  • Provision for credit losses was $20.8M for Q2, down from Q1 but up year-over-year.

  • Non-interest income fell 4.6% to $29.6M for Q2, mainly due to securities impairment.

Outlook and guidance

  • FY25 guidance raised: loan growth 8–11%, net interest income growth 7–10%, deposit growth 5–9%, and core efficiency ratio targeted in the low to mid-50s.

  • CET1 ratio expected to remain above 11.5%; tax rate at the low end of 22–25%.

  • Focus on deposit franchise transformation, risk management, and profitability.

  • Management acknowledges ongoing uncertainty from inflation, rates, and geopolitics but maintains strong liquidity and capital.

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Frequently asked questions

Customers Bancorp Inc is a bank holding company that operates through its subsidiary, Customers Bank, providing commercial and consumer banking services. The company offers a range of financial products, including business and personal loans, deposit accounts, cash management, and mobile banking solutions. It serves small and medium-sized businesses, professional firms, individuals, and institutional clients. The company is headquartered in West Reading, Pennsylvania, and its shares are listed on the NYSE.

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